Help with selecting coverage
My questions – while insurance & health related, go beyond simply "health insurance". If this is not allowed I will remove it. Also, any tips on other places to post this would be appreciated. I looked at "findareddit" and couldnt find a more general "benefits" channel.
Could you folks comment on some of the benefits selections I've made before my final submission? A lot of what is being offered seems duplicative, or not applicable to me. Still, there are supplemental options and I'm not sure where one coverage ends and another coverage picks up.
A bit about me
mid 30's professional pretty good shape I enjoy the gym don't smoke & only drink very occasionally carrying an extra 5 pounds on me currently
I'm adventuresome (ski, backpack bike) and want to be covered in case I break a leg skiing or get hit while riding my bike. I am single and have no children.
While I am fairly healthy, I've not been to a doctor for a long time, and currently I have a lower deductible selected this year as I have some "deferred maintenance" I'd like to get checked out.
Summary of current selections:
More detailed info & questions
My current health insurance – more info – since I have some deferred maintenance I'm considering a lower deductible option for this year. What do you all think? FSA – I set it for $400 for the year. I figure it will mostly be copay's, and other assorted costs/fees. Should I do more/less? Basic Life and AD&D – got this for the "Dismemberment" portion – in case I'm ever injured. also it is free. Supplemental Life and AD&D – $13/year for $50K benefit seemed like a good deal. But I don't understand what it covers Disability Coverage Summary – I thought short term coverage was wise $200/year. Thoughts? Accident Insurance – what does this cover that my health insurance doesn't? Hospital Indemnity Insurance – does this basically cover the costs of a hospitalization? Doesn't health insurance pay for that?
Thank you in advance.
submitted by /u/justSomeGuy5965
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